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International Personal Finance PLC (GB:IPF)
LSE:IPF
Total Valuation
International Personal Finance has a market cap or net worth of £466.62M. The enterprise value is 940.27M.
Market Cap£466.62M
Enterprise Value940.27M
Share Statistics
International Personal Finance has 219,115,070 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding219,115,070
Owned by Insiders0.08%
Owned by Institutions―
Financial Efficiency
International Personal Finance’s return on equity (ROE) is 0.13 and return on invested capital (ROIC) is 8.45%.
Return on Equity (ROE)0.13
Return on Assets (ROA)0.05
Return on Invested Capital (ROIC)8.45%
Return on Capital Employed (ROCE)0.19
Revenue Per Employee78.54K
Profits Per Employee7.29K
Employee Count8,351
Asset Turnover0.57
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of International Personal Finance is 6.5. International Personal Finance’s PEG ratio is 0.17.
PE Ratio6.5
PS Ratio0.44
PB Ratio0.62
Price to Fair Value0.62
Price to FCF482.73
Price to Operating Cash Flow214.15
PEG Ratio0.17
Income Statement
In the last 12 months, International Personal Finance had revenue of 655.90M and earned 60.90M in profits. Earnings per share was 0.27.
Revenue655.90M
Gross Profit655.90M
Operating Income212.70M
Pretax Income73.30M
Net Income60.90M
EBITDA0.00
Earnings Per Share (EPS)0.27
Cash Flow
In the last 12 months, operating cash flow was 2.30M and capital expenditures -6.90M, giving a free cash flow of -4.60M billion.
Operating Cash Flow2.30M
Free Cash Flow-4.60M
Free Cash Flow per Share-0.02
Dividends & Yields
International Personal Finance pays an annual dividend of 3.8p, resulting in a dividend yield of 4.56%
Dividend Per Share3.8p
Dividend Yield4.56%
Payout Ratio30.30%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.68
52-Week Price Change56.96%
50-Day Moving Average207.67
200-Day Moving Average159.73
Relative Strength Index (RSI)41.85
Average Volume (3m)1.04M
Important Dates
International Personal Finance upcoming earnings date is Jul 30, 2025, Before Open (Confirmed).
Last Earnings DateFeb 26, 2025
Next Earnings DateJul 30, 2025
Ex-Dividend DateAug 28, 2025
Financial Position
International Personal Finance as a current ratio of 63.45, with Debt / Equity ratio of 117.05%
Current Ratio63.45
Quick Ratio63.45
Debt to Market Cap1.81
Net Debt to EBITDA0.00
Interest Coverage Ratio2.97
Taxes
In the past 12 months, International Personal Finance has paid 12.40M in taxes.
Income Tax12.40M
Effective Tax Rate0.17
Enterprise Valuation
International Personal Finance EV to EBITDA ratio is 0.00, with an EV/FCF ratio of 1.33K.
EV to Sales1.22
EV to EBITDA0.00
EV to Free Cash Flow1.33K
EV to Operating Cash Flow32.17
Balance Sheet
International Personal Finance has £38.00M in cash and marketable securities with £587.10M in debt, giving a net cash position of -£549.10M billion.
Cash & Marketable Securities£38.00M
Total Debt£587.10M
Net Cash-£549.10M
Net Cash Per Share-£2.51
Tangible Book Value Per Share£1.82
Margins
Gross margin is 84.41%, with operating margin of 32.43%, and net profit margin of 9.28%.
Gross Margin84.41%
Operating Margin32.43%
Pretax Margin11.18%
Net Profit Margin9.28%
EBITDA Margin0.00%
EBIT Margin-4.47%
Analyst Forecast
The average price target for International Personal Finance is ―, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target―
Price Target Upside―
Analyst ConsensusModerate Buy
Analyst Count1
Revenue Growth Forecast-7.52%
EPS Growth Forecast50.23%